Zaimo.ai

What Zaimo.ai does

Zaimo Inc. (Zaimo.ai) is a Tokyo-based SaaS startup founded in January 2023 by Takumi Kojo, a former Barclays securities analyst, Roland Berger strategist, and STRIVE venture capital investor. The company builds Zaimo.ai FP&A, an AI-native financial planning and analysis platform that combines multi-axis management accounting (by department, project, tag, store, and brand) with natural language-driven business plan creation powered by an AI agent called "Zaimon" (ザイモン). The core product targets mid-to-large Japanese enterprises needing to replace fragmented Excel-based budget vs. actual management, and is supported by a modular portfolio: Zaimo.ai 資金繰り管理 (cash flow and three-statement modeling for support companies and external CFOs), Zaimo.ai 新規事業管理 (new business / project P&L), and a BPO service line that bundles the software with hands-on FP&A operations support.

The platform is cloud-based and differentiates on a function-free, Excel-like UI, drag-and-drop organizational hierarchy setup, one-click CSV import from the dominant Japanese cloud accounting platforms (freee and Money Forward Cloud Accounting), and a curated library of 100+ business model templates covering SaaS, EC, staffing, manufacturing, restaurants, and other verticals. Revenue is generated through a three-tier SaaS subscription (Light ¥4,980/mo, Basic ¥9,980/mo, Premium ¥49,800/mo with annual prepay discounts) plus a custom-priced Advance/BPO tier for multi-department enterprise deployments. Distribution is hybrid: self-serve website sign-up with a 2-week free trial, sales-assisted consultation for enterprise deals, and a channel program covering 64 VC and CVC partner firms that refer portfolio companies under an extended 3-month free trial. The company is seed-stage, having raised approximately ¥100M (~$648k) in February 2025 from Delight Ventures, DEEPCORE, Chiba Dojo Fund, and East Ventures, and operated with 7 employees as of March 2026.

Name

Zaimo.ai

Legal name

Zaimo株式会社

Website

https://lp.zaimo.ai

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

Zaimo.ai is a Tokyo-based AI-native FP&A SaaS startup offering multi-axis management accounting, AI-driven business plan creation, and budget vs. actual analysis for mid-to-large Japanese enterprises, startups, and SMBs.

Ownership category

akta.pro rank

Product category

Financial Planning & Analysis (FP&A) Software

NAICS

Software Publishers (5132)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Enterprise Performance Management (EPM) & FP&A Platforms (HDAEAEAK)

akta.pro secondary industries

iBPMS (Intelligent BPM Suites) & Process Automation Suites (HDAEAHAG), Budgeting & Cash-Flow Management (FSAGADAA), Enterprise Foundation Model Integration & APIs (Connectors, Governance, Deployment) (HDAAACAO)

Keywords

• Financial planning software
• FP&A platform
• Management accounting software
• AI business planning
• Budget vs actual management

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Subscription (Software): Three-tier subscription model (Light, Basic, Premium) with monthly and annual billing. Annual payment discounts are offered. Professional BPO support services are sold as additional add-on plans (Advance). Revenue is primarily recurring subscription-based.
2. BPO Services (Professional Services): Business Process Outsourcing services for budget management setup and operations support. Offered as a separate service line alongside the software subscription, targeting startups and SMEs who need hands-on implementation support.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Zaimo.ai builds an AI-native SaaS platform for financial planning and analysis (FP&A), enabling multi-axis management accounting (by department, project, tag, store, brand), budget vs. actual management, KPI dashboards, and AI-assisted business plan creation via a natural language agent called 'Zaimon'. The platform replaces Excel-based financial workflows with a function-free UI, CSV-based ingestion from accounting software such as freee and Money Forward, and three-statement (PL/BS/CF) modeling, sold primarily on tiered subscriptions with an optional BPO service for hands-on implementation.

Product overview

Zaimo.ai is an AI-native FP&A (Financial Planning & Analysis) platform that offers a modular portfolio of products. The core offering is Zaimo.ai FP&A, which provides AI-supported business planning, multi-axis management accounting, and budget-actual management. Supporting modules include Zaimo.ai 資金繰り管理 (cash flow management with financial three-statement modeling for multiple clients), Zaimo.ai 新規事業管理 (new business/project management), and Zaimo.ai BPOサービス (outsourced FP&A support combining software with professional services). The platform is built around an AI agent called 'ザイモン' (Zaimon) that assists users with natural language-based business planning, KPI recommendations, and analysis. Zaimo.ai supports 20+ industry-specific use cases (EC, SaaS, restaurants, manufacturing, staffing, etc.) and integrates with accounting software via CSV import (freee, Money Forward Cloud Accounting).

Differentiator

Problem solved

Functional benefit

Brands

• Zaimo.ai FP&A: AI-powered financial planning and analysis platform for business management, budget vs. actual tracking, and KPI management targeting mid-to-large enterprises.
• Zaimo.ai 新規事業管理
• Zaimo.ai 資金繰り管理

Products and services

• Zaimo.ai FP&A
• Zaimo.ai 資金繰り管理 (Cash Flow Management)
• Zaimo.ai 新規事業管理 (New Business Management)
• Zaimo.ai BPOサービス (BPO Service)

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability6 records

Feature7 records

Partnerships

Five partnerships are on record, tiered major, minor and core.

• 64 VC/CVC Partner Firms ( VC/CVC投資先向け提携割引パッケージ)majorGTM or Marketing Partner · 5 March 2025Partnership with 64 VC and CVC firms to offer Zaimo.ai at preferential terms to their portfolio companies. Partner VC portfolio companies receive 3-month free trial (vs standard 2-week). Partners span major Japanese and global VCs active in the Japanese startup ecosystem.
• Berkeley SkyDeck × JETROminorStrategic or Co-development Partner · 5 March 2025Zaimo was accepted into the Berkeley SkyDeck and JETRO joint startup program, supporting potential global expansion.
• JETRO (日本貿易振興機構)minorGTM or Marketing Partner · 27 September 2023Accepted into JETRO's X-HUB Tokyo Global Startup Accelerator Outbound Program, supporting international market entry.
• Freee (freee会計)coreTechnology or IntegrationProduct integration partnership. Zaimo.ai supports one-click CSV import from freee accounting software, enabling seamless data flow for budget vs. actual management.
• Money Forward (マネーフォワード クラウド会計)coreTechnology or IntegrationProduct integration partnership. Zaimo.ai supports CSV import from Money Forward Cloud Accounting, enabling automatic reflection of actual financial data.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Jedox: Enterprise performance management and planning software with Excel-like UX for budgeting, forecasting, and integrated financial planning. Comparable core offering to Zaimo.ai FP&A — multi-axis planning, budgeting, dashboarding — with an Excel-friendly interface.
• Prophix: Mid-market FP&A platform offering budgeting, planning, consolidation, and reporting. Directly comparable in feature scope and target buyer to Zaimo.ai, especially for mid-sized enterprises.
• Vena Solutions: Excel-native FP&A platform combining spreadsheet flexibility with planning workflows — directly comparable to Zaimo's Excel-integrated approach for budget vs. actual management and business planning.

Broad incumbents

• Workday Adaptive Planning: Cloud-native FP&A suite offering budgeting, forecasting, and multi-dimensional analysis integrated with Workday's broader HCM/finance suite. Same FP&A category and target buyer (CFO/FP&A teams) as Zaimo.ai, but operates at much larger enterprise scale.
• BOARD: No-code platform for FP&A, planning, and analytics with integrated BI. Comparable end-to-end FP&A functionality to Zaimo.ai but serving larger enterprises globally.
• Anaplan: Global enterprise FP&A and planning platform offering multi-dimensional scenario modeling. Comparable to Zaimo.ai FP&A as both target business planning/budget vs. actual use cases, though Anaplan serves large global enterprises vs Zaimo's Japan mid-market focus.

Emerging players

• Float (Cash Flow Forecasting): Cash flow forecasting and financial planning software aimed at SMBs and finance teams. Comparable scope to Zaimo.ai's cash flow management (資金繰り管理) sub-product for startups.
• Cubet Techno Solutions (Cube FP&A): Modern AI-enabled FP&A platform that syncs with Excel/Google Sheets and offers multi-dimensional planning and budget vs. actual workflow — partial overlap with Zaimo.ai on AI-driven FP&A and Excel export-import interoperability.

Others

• Money Forward Cloud Accounting: Major Japanese cloud accounting SaaS with direct CSV integration partnership into Zaimo.ai. Adjacent ecosystem partner rather than FP&A competitor.
• freee (Accounting Software): Japan's leading cloud accounting platform, integrated with Zaimo.ai for CSV data import. Adjacent rather than direct competitor — Zaimo is an upstream FP&A layer consuming freee accounting data.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/zaimo_ai_jp

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds3 records

Investors6 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Zaimo.ai